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  • Guide To Buying An Apartment - Mirador de Benitatxell

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    The document provides information for buying an apartment in the "Mirador de Benitatxell" building. It outlines the key documents provided, including the first occupancy license, energy performance certificate, and catastral certificate. It also discusses mortage financing options with a 25 or 20 year fixed rate and sample payment schedule. Additional costs after purchase are noted such as notary fees, IBI tax, and community fees. Useful websites for additional information on buying property in Spain are also listed.

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    Guide to Buying an Apartment_mirador de Benitatxell

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    The document provides information for buying an apartment in the "Mirador de Benitatxell" building. It outlines the key documents provided, including the first occupancy license, energy performance certificate, and catastral certificate. It also discusses mortage financing options with a 25 or 20 year fixed rate and sample payment schedule. Additional costs after purchase are noted such as notary fees, IBI tax, and community fees. Useful websites for additional information on buying property in Spain are also listed.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd
    Flag for inappropriate content
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    103 views2 pages

    Guide To Buying An Apartment - Mirador de Benitatxell

    Uploaded by

    miradorbenitatxell
    The document provides information for buying an apartment in the "Mirador de Benitatxell" building. It outlines the key documents provided, including the first occupancy license, energy performance certificate, and catastral certificate. It also discusses mortage financing options with a 25 or 20 year fixed rate and sample payment schedule. Additional costs after purchase are noted such as notary fees, IBI tax, and community fees. Useful websites for additional information on buying property in Spain are also listed.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd
    Flag for inappropriate content
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    of 2

    GUIDE TO BUYING AN APARTMENT MIRADOR DE BENITATXELL

    1. 2. 3. 4. What documents must Mirador de Benitatxell provide me with ? Mortage Financing Additional costs Additional information

    1./ What documents must Mirador de Benitatxell provide me with ? - First Occupation License ( Cdula de Habitabilidad ), which is the official permission for the
    building to be used as a house. - Energy Performance Certificate (EPC, Certificado de Eficiencia Energtica), mandatory for Spanish properties that are for sale or rent from the 1 June 2013. Ensures that homes are able to run more efficiently and in turn reduce carbon dioxide emissions.

    - Catastral certificate giving the exact boundaries and square meters of your apartment. - Details of the Property Register. This provides a legal description of the company, the owners
    and any encumbrances. - Quality statement material used, equipment, etc.-, and the Plans of the house, as well as the other information referred to in the Royal Decree 515/89. Reference to the materials and finishes used in the construction of the properties of the building, Description of the property, including the floor space area and living space - Guarantees of the installations. 2./ Mortage Financing

    You can get a mortage loan to finance your purchase with. Mortage loan conditions: ( Bank: La Caixa ): 25 or 20 years fixed mortage 95 % over the total price

    info@miradorbenitatxell.com

    http://www.miradorbenitatxell.com/

    Page 1

    Interest rate: Euribor + 2 % Monthly fees ( 25 years = 300 ) Sample mortage payment: Capital: 100.000 Mortgage amortization Schedule: 300 monthly fee payments ( 25 years ) = 503,31 ( interests included ).

    3./ Additional costs

    - Notary fees - Mortage loan deed


    Once you have bought the property, there are various ongoing costs, including: - IBI Tax

    - Refuse collection and mains drainage (Basura y Alcantarillado) tax - Community fees

    4./ Additional information Please visit: www.spanishpropertyinsight.com/guides/ https://buyingahouse.registradores.org/ http://www.ciudadanosextranjeros.es/vivienda_en.php You can also contact us: info@miradorbenitatxell.com www.miradorbenitatxell.com

    info@miradorbenitatxell.com

    http://www.miradorbenitatxell.com/

    Page 2

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